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Live Oak Bancshares, Inc.（LOB）与REPLIGEN CORP（RGEN）财务数据对比。点击上方公司名可切换其他公司
REPLIGEN CORP的季度营收约是Live Oak Bancshares, Inc.的1.4倍（$197.9M vs $145.5M），Live Oak Bancshares, Inc.净利率更高（19.2% vs 6.7%，领先12.5%），Live Oak Bancshares, Inc.同比增速更快（18.4% vs 13.6%），过去两年REPLIGEN CORP的营收复合增速更高（14.4% vs 7.7%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
Repligen是一家全球生命科学企业，专注于创新生物工艺技术与系统的研发及商业化，助力提升生物药生产效率。公司1981年成立，总部位于美国马萨诸塞州沃尔瑟姆，于纳斯达克挂牌上市，股票代码RGEN，截至2025年全球员工超1900人，主要服务生物制药领域客户。
LOB vs RGEN — 直观对比
营收规模更大
RGEN
是对方的1.4倍
$145.5M
营收增速更快
LOB
高出4.7%
13.6%
净利率更高
LOB
高出12.5%
6.7%
两年增速更快
RGEN
近两年复合增速
7.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $197.9M |
| 净利润 | $27.9M | $13.3M |
| 毛利率 | — | 52.5% |
| 营业利润率 | — | 9.0% |
| 净利率 | 19.2% | 6.7% |
| 营收同比 | 18.4% | 13.6% |
| 净利润同比 | 187.6% | 143.9% |
| 每股收益（稀释后） | $0.60 | $0.24 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收LOBRGEN
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $197.9M | ||
| Q3 25 | $146.1M | $188.8M | ||
| Q2 25 | $143.7M | $182.4M | ||
| Q1 25 | $126.1M | $169.2M | ||
| Q4 24 | $116.9M | $174.1M | ||
| Q3 24 | $129.9M | $154.9M | ||
| Q2 24 | $125.5M | $154.1M |
净利润LOBRGEN
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | $13.3M | ||
| Q3 25 | $26.5M | $14.9M | ||
| Q2 25 | $23.4M | $14.9M | ||
| Q1 25 | $9.7M | $5.8M | ||
| Q4 24 | $9.9M | $-30.3M | ||
| Q3 24 | $13.0M | $-654.0K | ||
| Q2 24 | $27.0M | $3.3M |
毛利率LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 52.5% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 50.0% | ||
| Q1 25 | — | 53.6% | ||
| Q4 24 | — | 26.1% | ||
| Q3 24 | — | 50.0% | ||
| Q2 24 | — | 49.8% |
营业利润率LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 9.0% | ||
| Q3 25 | 25.0% | 8.9% | ||
| Q2 25 | 21.7% | 7.6% | ||
| Q1 25 | 10.4% | 3.9% | ||
| Q4 24 | 11.3% | -17.7% | ||
| Q3 24 | 13.7% | -5.1% | ||
| Q2 24 | 28.7% | 1.0% |
净利率LOBRGEN
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | 6.7% | ||
| Q3 25 | 18.1% | 7.9% | ||
| Q2 25 | 16.3% | 8.2% | ||
| Q1 25 | 7.7% | 3.4% | ||
| Q4 24 | 8.5% | -17.4% | ||
| Q3 24 | 10.0% | -0.4% | ||
| Q2 24 | 21.5% | 2.2% |
每股收益（稀释后）LOBRGEN
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $0.24 | ||
| Q3 25 | $0.55 | $0.26 | ||
| Q2 25 | $0.51 | $0.26 | ||
| Q1 25 | $0.21 | $0.10 | ||
| Q4 24 | $0.22 | $-0.55 | ||
| Q3 24 | $0.28 | $-0.01 | ||
| Q2 24 | $0.59 | $0.06 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $767.6M |
| 总债务越低越好 | — | $542.2M |
| 股东权益账面价值 | $1.3B | $2.1B |
| 总资产 | $15.3B | $2.9B |
| 负债/权益比越低杠杆越低 | — | 0.26× |
8季度趋势，按日历期对齐
现金及短期投资LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | $767.6M | ||
| Q3 25 | — | $748.7M | ||
| Q2 25 | — | $708.9M | ||
| Q1 25 | — | $697.2M | ||
| Q4 24 | — | $757.4M | ||
| Q3 24 | — | $784.0M | ||
| Q2 24 | — | $809.1M |
总债务LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | $542.2M | ||
| Q3 25 | — | $537.9M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $525.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益LOBRGEN
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $2.1B | ||
| Q3 25 | $1.2B | $2.1B | ||
| Q2 25 | $1.1B | $2.1B | ||
| Q1 25 | $1.0B | $2.0B | ||
| Q4 24 | $999.0M | $2.0B | ||
| Q3 24 | $1.0B | $2.0B | ||
| Q2 24 | $961.0M | $2.0B |
总资产LOBRGEN
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $2.9B | ||
| Q3 25 | $14.7B | $2.9B | ||
| Q2 25 | $13.8B | $2.9B | ||
| Q1 25 | $13.6B | $2.9B | ||
| Q4 24 | $12.9B | $2.8B | ||
| Q3 24 | $12.6B | $2.8B | ||
| Q2 24 | $11.9B | $2.9B |
负债/权益比LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.26× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $25.7M |
| 自由现金流经营现金流 - 资本支出 | — | $17.6M |
| 自由现金流率自由现金流/营收 | — | 8.9% |
| 资本支出强度资本支出/营收 | — | 4.1% |
| 现金转化率经营现金流/净利润 | — | 1.93× |
| 过去12个月自由现金流最近4个季度 | — | $93.9M |
8季度趋势，按日历期对齐
经营现金流LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $25.7M | ||
| Q3 25 | $62.3M | $48.1M | ||
| Q2 25 | $49.2M | $28.6M | ||
| Q1 25 | $-33.0M | $15.0M | ||
| Q4 24 | $156.8M | $39.2M | ||
| Q3 24 | $47.4M | $49.3M | ||
| Q2 24 | $29.5M | $42.2M |
自由现金流LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $17.6M | ||
| Q3 25 | $60.6M | $43.4M | ||
| Q2 25 | $47.8M | $21.5M | ||
| Q1 25 | $-35.3M | $11.4M | ||
| Q4 24 | $107.5M | $33.6M | ||
| Q3 24 | $41.0M | $42.3M | ||
| Q2 24 | $12.3M | $37.4M |
自由现金流率LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 8.9% | ||
| Q3 25 | 41.4% | 23.0% | ||
| Q2 25 | 33.3% | 11.8% | ||
| Q1 25 | -28.0% | 6.8% | ||
| Q4 24 | 91.9% | 19.3% | ||
| Q3 24 | 31.6% | 27.3% | ||
| Q2 24 | 9.8% | 24.3% |
资本支出强度LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 4.1% | ||
| Q3 25 | 1.2% | 2.5% | ||
| Q2 25 | 1.0% | 3.9% | ||
| Q1 25 | 1.8% | 2.1% | ||
| Q4 24 | 42.2% | 3.2% | ||
| Q3 24 | 4.9% | 4.5% | ||
| Q2 24 | 13.7% | 3.1% |
现金转化率LOBRGEN
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | 1.93× | ||
| Q3 25 | 2.35× | 3.23× | ||
| Q2 25 | 2.10× | 1.92× | ||
| Q1 25 | -3.39× | 2.57× | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | — | ||
| Q2 24 | 1.10× | 12.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
